Kodabank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 188.24 percentage points lower than in Q1 2026, at 383.76%. Within North Dakota, Kodabank is 16th of 60 on return on assets, 1.83% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Kodabank sits 0.57 points higher, at 1.83% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.28% |
| Equity capital to assets | 10.21% |
| Tangible equity to tangible assets | 10.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.30% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.11% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 383.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.83% |
| Return on equity | 18.32% |
| Net interest margin | 3.86% |
| Efficiency ratio | 51.50% |
| Yield on earning assets | 6.03% |
| Cost of funds | 2.32% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.25% |
| Core deposits to total deposits | 81.94% |
| Brokered deposits to total deposits | 4.14% |
| Deposits to assets | 86.27% |
| Securities to assets | 8.53% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.72% | 1.40% | 3.52% | 0.08% | 0.01% |
| Q4 2023 | 11.06% | 1.20% | 3.23% | 0.02% | 0.00% |
| Q1 2024 | 11.00% | 1.34% | 3.43% | 0.01% | 0.01% |
| Q2 2024 | 11.02% | 1.34% | 3.69% | 0.01% | 0.00% |
| Q3 2024 | 11.27% | 1.55% | 3.68% | 0.60% | -0.01% |
| Q4 2024 | 10.49% | 1.42% | 3.54% | 0.66% | 0.01% |
| Q1 2025 | 10.28% | 1.23% | 3.26% | 0.55% | 0.01% |
| Q2 2025 | 10.17% | 1.60% | 3.71% | 0.56% | 0.01% |
| Q3 2025 | 10.76% | 1.62% | 3.85% | 0.22% | 0.00% |
| Q4 2025 | 10.18% | 1.34% | 3.94% | 0.13% | 0.00% |
| Q1 2026 | 10.18% | 1.53% | 3.72% | 0.20% | -0.01% |
| Q2 2026 | 10.28% | 1.83% | 3.86% | 0.30% | 0.00% |
Kodabank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Kodabank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Kodabank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8386) · FFIEC NIC profile (RSSD 803957)